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PNC chief executive William Demchak says AI agents should not transact in customers’ bank accounts on their behalf without their knowledge. Speaking on the bank’s earnings call, he argued that any such activity would need laws clarifying liability, secure connections and authentication, and a human in the loop, according to PYMNTS.

Demchak also said making it easier to move deposits is a trend that will continue, and that banks will need to match third-party technology while keeping service competitive. That puts a concrete financial-stakes question behind the agent debate: convenience is one thing, handing over the keys quite another.

Discuss: Should banks let customers authorise agents to move money under strict safeguards, or keep those transactions firmly in human hands?

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